FWIW, I bank with BBVA (who took over Guaranty Bank here in Texas some years back) for a number of years and have had no problems with BBVA on-line banking since their takeover of Guaranty Bank. I can access all accounts, make transfers between internal accounts, etc. problem-free at every attempt. If I personally HAD experienced what you describe, I'd be parked at a local BBVA desk until they get it resolved or I would threaten to close the accounts. All my mother's estate accounts, however, were with other banks.